A financial optimization tool that takes user inputs (income, debts with APRs, savings balances, retirement accounts) and calculates the mathematically optimal allocation strategy. The tool runs scenario comparisons showing total interest paid, opportunity costs, and payoff timelines for different strategies, then provides clear prioritized recommendations with explanations of why each allocation maximizes their financial outcomes.

Rising interest rates on consumer debt (26%+ credit cards, 6-7% auto loans) have made allocation decisions more consequential than ever. The debt vs. investment tradeoff now has dramatically different outcomes depending on interest rate spreads, making optimization tools essential rather than nice-to-have.